Credit Officer, Credit Department - Remote, USA

Overview

This role supports small business lending work focused on SBA 7(a) loan transactions. Responsibilities include underwriting, due diligence, analysis of borrower information, and preparation of credit documentation under supervision of senior credit leadership. The position is full-time.

Responsibilities

• Underwrite and conduct due diligence of SBA 7(a) loan transactions under the supervision of the Credit Team Lead and/or Credit Manager.
• Spread and analyze financial information from loan applicants; evaluate information according to internal Credit Policies & Procedures.
• Order third-party reports (e.g., Appraisal, Environmental, or Business Valuation) with approval from the Credit Team Lead and/or Credit Manager.
• Prepare Credit Memorandum and ensure underwriting aligns with applicable policies and procedures of the organization and the SBA.
• Coordinate processing of approved loans, ensuring loan processing meets customer needs and conforms to internal lending policies.
• Exercise discretionary and independent judgment when preparing and recommending credit approval to the Management Loan Committee.
• Coordinate with the Closing Team to efficiently process transactions.

Required Qualifications

• Minimum 3–5 years of underwriting and spreading of SBA 7(a) loans.
• Professional speaking and presentation skills.
• Basic understanding of SBA eligibility and guidelines.
• Ability to identify and mitigate credit risks.
• Ability to analyze and interpret financial statements, business reports, and legal documents.
• Strong judgment and problem-solving skills.
• Proficient business writing skills.

Compensation & Benefits

• Base salary: $95,000–$120,000/year (based on experience, qualifications, and location)
• Plus bonus incentive
• Full-time position

Benefits include:

• 401k + match
• Health, Dental & Vision Insurance + HSA & FSA
• Employer paid Life Insurance
• Paid vacation days
• Sick leave
• Company perks such as employee discounts, company events, and training programs
• Excellent training and career advancement opportunities

Physical Requirements

• Must be able to pass post-offer drug screening and background check.

Equal Opportunity Employer

The organization is an equal opportunity employer and prohibits discrimination and harassment of any type. Equal employment opportunities are provided to employees and applicants without regard to race, color, religion, sex, sexual orientation, gender identity or expression, pregnancy, age, national origin, disability status, genetic information, protected veteran status, or any other characteristic protected by law.